host: on our line for melanie kohillenials. caller: you are doing a great job. and to show america that everyone will benefit from helping us today. and also, i would like to ask, how would you tackle teaching our children, our children from the millenial, our children that we will have soon. how will you teach them how to handle finances better than we have a question mark i feel like we have not handled things very well. in the long term, we usually just borrow money and get deeper into debt. host: we will leave it there. ryan schoenike. guest: i think it starts at the home, with educating your children and knowing your own finances and being able to speak to those. but also there's a component of it in school. chautauqua about finances and what loan and that means -- we should talk about finances and what alone and debt means. we are targeted on getting our generation informed because the problem is that no one is speaking to our generation appear in my grandmother is one of our biggest supporters. she understands the issues. and infrastructure, investment, l